Interac e-Transfer Limits by Bank in Canada (2026): Sending and Receiving Caps

Interac runs the e-Transfer service, but the amount you can send is set by your own bank or fintech. Each institution chooses its own caps, and most stack several of them: a per-transfer or 24-hour cap, plus a rolling 7-day and 30-day total. This page lays the published personal-account limits side by side and links each institution’s own page, where the menu paths, exceptions and options for raising the limit are covered. It is part of the Canadian bank limits hub, which also covers ATM, debit and mobile-deposit limits.

Sending and receiving limits by bank (personal accounts)

Banks are listed alphabetically. Limits can differ for some clients (new accounts in particular), and every bank shows your own limit in its app or online banking when you start a transfer.

Each cap applies at the same time, so a transfer has to fit inside all of them. At a bank with a $3,000 24-hour cap and a $10,000 7-day cap, three $3,000 transfers on three consecutive days use $9,000 of the weekly room, and a fourth the next day would be refused until the earliest of those transfers rolls out of the 7-day window. Rolling windows count back from the time of each transfer, not from midnight, so the room comes back 24 hours (or 7 or 30 days) after the transfer that used it.

Where a bank publishes no receiving cap, the amount you can receive in one transfer is still limited by what the sender’s institution lets them send.

Raising your limit

Whether a limit can be raised is the biggest practical difference between banks, and each bank’s own page covers its process:

• Adjustable in the app: Scotiabank lets you review and change your e-Transfer limit under its transaction-limit settings, and Wealthsimple lets eligible clients raise the daily sending limit in the app.
• By phone or in branch: TD offers temporary increases by phone and permanent changes through a branch; BMO handles requests by phone or in its app where a higher limit is offered.
• Fixed: RBC states its e-Transfer limit cannot be increased or decreased, and Desjardins, Simplii and EQ Bank do not offer increases on request either.

New accounts often start below the standard figures. Business accounts have their own e-Transfer limits and pricing, set separately from personal accounts; the business bank accounts comparison covers those plans.

Sending more than your limit

When an amount is larger than your caps allow, the usual options are:

• Split the payment across days or weeks, staying within both the daily and the rolling 7-day and 30-day caps. This is free but slow.
• Move money between your own accounts by EFT. Most banks let you link an account at another institution and transfer larger amounts over a few business days.
• Send a wire. A wire is the bank-to-bank option for large or time-sensitive amounts, at a per-wire fee. The guide to wire transfers in Canada explains how they work, and the bank pages cover each bank’s wire fees and process: RBC, TD, Scotiabank, BMO and CIBC.
• Pay with a bank draft. Lawyers, notaries and car dealers often ask for one on a large purchase; the guide to getting a bank draft in Canada covers the process.

What each option costs at your bank is in the Canadian bank fees comparison.

Sending, Autodeposit and safety

The steps to send, receive and register for Autodeposit are much the same at every bank and are covered once in the Interac e-Transfer guide, along with the common e-Transfer scams. With Autodeposit, money sent to your registered email or phone number lands in your account without a security question.

If a transfer goes wrong, the guides to cancelling a bank transfer and to a bounced e-Transfer cover what can be recovered, and how long an e-Transfer takes explains delays and holds.